Mni Credit Report / auto pmt not authorized

I went to buy something today, to have my card declined, so I came home and looked and mind you I have a pre-paid debit only account and these people charged me $12.95 unauthorized, i've never been able to get any credit reports offline, they got my info and charged my account. These people are doing things illegal as I read more complaints the same as mine. Now I will have to go thru another bank card change like I did a few months ago, this is ridiculous.